Multistep Form My Will This is the Will of me, , NRIC No. residing at . Revocation of former Wills I REVOKE all my former Wills and DECLARE this to be my Last Will. Appointment of Executor & Trustee I APPOINT my , NRIC No. to be the sole Executor and Trustee of this Will. If the above appointment fails for any reason, I APPOINT , NRIC No. to be the substitute Executor and Trustee of this Will. If both appointments fail for any reason, I APPOINT , NRIC No. to be the second substitute Executor and Trustee of this Will. Rights and Powers of Executor & Trustee I DIRECT that my executor & trustee appointed by this Will shall have the absolute rights and powers to hold, transfer, sell, rent, call in and convert any part of my estate into ready money and to postpone any of the aforesaid in such manner as he/she deems fit except where such rights and powers are restricted by any of the remaining provisions of this Will. Subject to the payment of my funeral & legal expenses, just & lawful debts, my executor & trustee shall stand possessed of the net proceeds of such sales, calling in, conversion and distribute such part of my estate according to the remaining provisions of this Will. Appointment of Substitute Guardians If my spouse predeceases me and my child/any of my children is below the age of 21, I APPOINT to be the substitute sole Guardian of my minor child/children. If the above appointment fails for any reason, I APPOINT to be the second substitute sole Guardian of my minor child/children. Specific Gift – Real Properties Held in Joint Tenancy I GIVE, DEVISE and BEQUEATH all my real properties held in joint-tenancy to the respective surviving joint-tenant(s). If the joint-tenant(s) predeceases me, the said real properties are to be included in my estate and distributed according to the “Distribution of All Other Assets” clause of this Will. Specific Gift – Insurance, Investment-Linked and Annuity Policies I DIRECT that the policy money of my mortgage insurance policy be used to pay off the outstanding housing loan of the respective real property. The excess of the mortgage insurance policy money after paying off the respective outstanding housing loan is to be included in my estate and distributed according to the “Distribution of All Other Assets” clause of this Will. I GIVE and BEQUEATH the policy moneys of all my insurance, investment-linked and annuity policies with valid nominated or named beneficiaries to the beneficiaries nominated or named in the respective policy. I GIVE and BEQUEATH the policy moneys of all my insurance, investment-linked and annuity policies without valid nominated or named beneficiaries according to the “Distribution of All Other Assets” clause of this Will. I GIVE and BEQUEATH all insurance and investment-linked policies which I am the owner or assignee but not the life assured to the respective individual whose life is insured in the policy EXCEPT those policies I bought for investment purpose from TES Capital Investments Pte Ltd. Specific Gift – Joint Accounts I GIVE and BEQUEATH my cash in all my joint bank accounts or investment holding in all my joint investment accounts to the respective joint account holder named in the accounts. If the joint account holder predeceases me, the said cash or investment holding is to be included in my estate and distributed according to the “Distribution of All Other Assets” clause of this Will. Specific Gift – Contents/Personal Valuables at Home/in the Safe I GIVE and BEQUEATH the contents to the beneficiary labeled on the respective envelope/box/bag containing the items. If the named beneficiary predeceases me or if there is no named beneficiary for the items, the said items are to be included in my estate and distributed according to the “Distribution of All Other Assets” clause of this Will. Distribution of All Other Assets Subject to the foregoing, I GIVE, DEVISE and BEQUEATH all my other movable and immovable assets of whatever nature, in any part of the world, not specifically or fully devised and bequeathed by earlier provisions to , solely. If predeceases me, shall inherit my estate, equally. If all of the above-named beneficiaries predecease me, my estate is to be distributed as follows: 50% to my surviving parents, siblings, nephews and nieces, equally; 50% to the surviving parents, siblings, nephews and nieces of my spouse, equally. Distribution of All Other Assets DSubject to the foregoing, I GIVE, DEVISE and BEQUEATH all my other movable and immovable assets of whatever nature, in any part of the world, not specifically or fully devised and bequeathed by earlier provisions as follows: % to my spouse xxx; % to my daughter xxx; % to my brother xxx; If any of them predeceases me, the surviving beneficiaries named above shall inherit my estate, proportionately. If all the above-named beneficiaries predecease me, shall inherit my estate. Exclusion of Persons Benefiting from My Estate It is my expressed wish not to leave any money or any part of my estate to anyone not named as beneficiary in this Will. Maintenance and Arrangement for Minor Beneficiaries If any of my beneficiaries is below the age of 21 years, I INSTRUCT my Trustee appointed by this Will to hold his/her share of my estate and the income thereof, if any, UPON TRUST for him/her and provide maintenance to him/her to the age of 21 years and shall make any advancements as the Trustee deems fit. The balance of my minor beneficiaries’ share of my estate is to be given to him/her when he/she reaches the age of 21 years. If any of my minor beneficiaries does not survive to the age of 21 years, I DIRECT my trustee appointed by this Will to include the balance of such share in my estate and distribute it according to the “Distribution of All Other Assets” clause of this Will. I further DIRECT that if my trustee appointed by this Will is unable to perform the duties stated in this clause, the substitute trustee mentioned in the “Appointment of Executor & Trustee” of this Will shall be appointed. Failing which, the legal guardian of the minor beneficiary shall be appointed as the trustee for the said purpose. Common Disaster & Survivorship If any of the beneficiaries stated herein does not survive me by 7 (SEVEN) days, he/she is deemed to have predeceased me and shall not be entitled to his/her share of my estate. His/her substitute beneficiary or beneficiaries named in this Will shall inherit the share of the deceased. I further declare that: I fully understand the contents of this Will as it has been read over and explained to me in ENGLISH by the first witness of this Will. I am executing this Will out of my own free will, not under any undue influence. I am of sound mind and am clear of the nature and intent of this Will which I am executing. IN WITNESS WHEREOF, I have hereunto set my hand this DAY of 2024 in the Republic of SINGAPORE. @@@@@@@@@@@@@@@@@ End of this Will @@@@@@@@@@@@@@@@@@@